| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $113K | $4K | $117K | 2.35% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $85K | $38K | $123K | 7.24% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.24% |
| CAMMACK HEALTH LLC3 | 199 WATER STREET 9TH FLOOR NEW YORK, NY 10038 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 2.32% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BUILDING C2 MANASQUAN, NJ 087361500 | UNITED HEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 10.46% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $440 | $17K | 2.66% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $11K | $8K | $19K | 5.20% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 7.24% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $180 | $4K | 2.03% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SUITE C-2 MANASQUAN, NJ 08736 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $18K | $196 | $19K | 10.07% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, INC. | PO BOX 1267 GLOUCESTER, MA 01931 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $56 | $1K | 1.86% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 7.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $1K | $948 | $2K | 5.38% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $778 | $778 | 2.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $849 | $381 | $1K | 7.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | PRINCIPAL LIFE INSURANCE COMPANY | $267 | $11 | $278 | 1.84% |
| HAVEN BENEFITS3 Filed as: HAVEN & COMPANY, LLC | 586 BAY VIILAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $772 | — | $772 | 6.00% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $333 | $266 | $599 | 4.74% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $272 | $272 | 2.24% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $318 | $143 | $461 | 7.25% |
| HAYNES & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $139 | $97 | $236 | 4.90% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | — | $56 | $56 | 2.23% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $88 | — | $88 | 6.01% |
| HAVENS & COMPANY INC3 | PO BOX 1505 MANCHESTER, MA 019440860 | SECURIAN LIFE INSURANCE COMPANY | $27 | $26 | $53 | 5.09% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $42 | — | $42 | 6.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $30 | — | $30 | 6.00% |
| HAVENS & COMPANY INC3 Filed as: HAVENS & COMPANY, LLC | 586 BAY VILLAS LANE NAPLES, FL 34108 | GERBER LIFE INSURANCE COMPANY | $30 | — | $30 | 6.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 23,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,244 | $814K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $809K |
| Life insurance(10 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,151 | $3.0M |
| Short-term disability(10 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 11,348 | $7.0M |
| Long-term disability(5 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 10,042 | $5.9M |
| Other(13 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 20,665 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,665 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.